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Capital One Venture X Rewards Credit Card Review: Is It Worth It in 2025?
February 6, 2025
What Is the Capital One Venture X Rewards Credit Card?
The Capital One Venture X Rewards Credit Card is a premium travel rewards card that stands out in the increasingly competitive luxury card market. Launched in 2021, it has quickly become a favorite among frequent travelers, offering a compelling mix of travel benefits and rewards at a lower annual fee than many of its competitors.
Currently, new cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. The card earns unlimited 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel, and 2X miles on all other purchases.
Capital One Venture X Pros & Cons
Pros:
- $300 annual travel credit for bookings through Capital One Travel
- 10,000-mile anniversary bonus (worth $100 toward travel)
- Complimentary access to Capital One Lounges and Priority Pass lounges
- Global Entry or TSA PreCheck® application fee credit
- Hertz President's Circle status
- Cell phone protection
- Generous rewards on travel purchases
- Ability to transfer miles to travel partners
- Premium travel insurance benefits
Cons:
- $395 annual fee
- Best rewards rates require booking through Capital One Travel
- Limited number of Capital One Lounges currently
- Requires excellent credit for approval
Who Is the Capital One Venture X Card For?
The Capital One Venture X Rewards Credit Card is ideally suited for frequent travelers who can take advantage of its premium benefits. It's particularly valuable for those who:
- Travel at least 3-4 times per year
- Value airport lounge access
- Can easily meet the minimum spending requirement for the welcome bonus
- Want premium travel benefits without paying $600+ annual fees
- Prefer flexible rewards that can be transferred to travel partners
- Book travel through the Capital One Travel portal
Comparing the Capital One Venture X Rewards Credit Card with Other Premium Travel Cards
When considering the Capital One Venture X Rewards Credit Card, it's helpful to compare it with other popular options in the premium travel card category:
The Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel
- Standout feature: Extensive airport lounge access and hotel elite status
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
- Annual fee: $550
- Sign-up bonus: Substantial points bonus after meeting spending requirements
- Key rewards: 3X points on travel and dining
- Standout feature: $300 annual travel credit and 50% more value when redeeming points for travel through Chase TravelSM
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Capital One Venture X Rewards Credit Card excels in offering a compelling mix of travel benefits and rewards
- The Platinum Card® from American Express offers premium travel perks
- Chase Sapphire Reserve® features flexible travel credits and point redemptions
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Consider Using Kudos to Maximize Your Rewards
While the Capital One Venture X Rewards Credit Card offers excellent travel rewards, you can potentially earn even more by pairing it with Kudos, a free AI-powered browser extension.
Kudos helps you:
- Automatically determine when to use your Venture X for maximum rewards
- Stack rewards with other available offers
- Track your rewards earning across all your credit cards
- Get notified of Flash Boost events that can multiply your rewards up to 5X
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Capital One Venture X Rewards Credit Card offers exceptional value for frequent travelers who can take advantage of its benefits. With the $300 annual travel credit and 10,000-mile anniversary bonus effectively reducing the annual fee to just $-5, it's a compelling option in the premium card space.
The addition of Priority Pass and Capital One Lounge access, along with comprehensive travel protection benefits, makes it a strong contender for your primary travel card.
Capital One Venture X FAQ
What credit score do you need for the Capital One Venture X?
You typically need an excellent credit score (740 or higher) to qualify for the Venture X card.
How do I redeem Capital One Venture X miles?
Miles can be redeemed through Capital One Travel, transferred to travel partners, or used as a statement credit for travel purchases at a rate of 1 cent per mile.
Does the Venture X offer virtual card numbers?
Yes, through the Eno browser extension, you can generate virtual card numbers for secure online shopping.
What travel insurance benefits does the Venture X include?
The card includes trip cancellation/interruption insurance, auto rental collision damage waiver, travel accident insurance, and cellphone protection through the Visa Infinite network.
How does the Capital One Travel portal work?
Capital One Travel offers price prediction, price watch, price drop protection, and price freeze features, along with competitive rates on flights, hotels, and car rentals.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
